Call reports 2004
HOMETOWN BANK — 2004
What HOMETOWN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,152,000 | 96,543,000 | 106,191,000 | 110,006,000 |
| Total loans | 73,620,000 | 77,527,000 | 81,250,000 | 81,154,000 |
| Allowance for loan losses | 1,158,000 | 1,142,000 | 1,112,000 | 1,103,000 |
| Securities available for sale | 3,041,000 | 2,961,000 | 3,117,000 | 4,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,761,000 | 84,843,000 | 94,298,000 | 98,003,000 |
| Interest-bearing deposits | 59,861,000 | 63,738,000 | 66,161,000 | 65,338,000 |
| Noninterest-bearing deposits | 19,900,000 | 21,105,000 | 28,137,000 | 32,665,000 |
| Equity capital | 10,745,000 | 11,002,000 | 11,211,000 | 11,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,129,000 | 3,313,000 | 4,711,000 |
| Interest expense | 177,000 | 350,000 | 552,000 | 814,000 |
| Net interest income | 864,000 | 1,779,000 | 2,761,000 | 3,897,000 |
| Noninterest income | 567,000 | 1,329,000 | 1,825,000 | 2,262,000 |
| Noninterest expense | 1,277,000 | 2,574,000 | 3,779,000 | 5,077,000 |
| Provision for loan losses | 0 | 0 | 0 | 27,000 |
| Pretax income | 156,000 | 536,000 | 814,000 | 1,062,000 |
| Income tax | 53,000 | 182,000 | 275,000 | 401,000 |
| Net income | 103,000 | 354,000 | 539,000 | 661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,268,000 | 9,517,000 | 9,702,000 | 9,824,000 |
| Total capital | 10,302,000 | 10,591,000 | 10,814,000 | 10,927,000 |
| Risk-weighted assets | 82,601,000 | 85,837,000 | 91,665,000 | 93,706,000 |